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 Cheapest Life Insurance USA

New York Life - Life Insurance

About New York Life

A Company of Firsts Celebrating 150 Years of Strength and Innovation

Being a leader in the financial services industry means not resting on one's laurels, but continually striving for improvement. New York Life has a history notable for consistent financial strength as well as dynamic innovation. For a century and a half, New York Life's first priority has been their policyowners' financial well-being. To keep pace with policyowners' needs, the Company has launched new products, enhanced product features, expanded quality service, and pioneered new technologies. Breaking new ground is part of the New York Life tradition. That's what makes them "A Company of Firsts."

New York Life's Focus on Quality Service

To provide the highest possible level of service to their expanding customer base, the New York Life established an integrated network of General Offices across the country. Today, these "G.O.s" serve nearly 11,000 agents. New York Life believe this highly trained team of dedicated professionals is their most valuable asset. Their agents have been honored by the industry for outstanding service to their clients, and New York Life has consistently led the industry in membership in the Million Dollar Round Table, an organization devoted to promoting exemplary ethical standards of the insurance industry.

New York Life Insurance Products

Many people think that life insurance is only for those with families. While it is true that life insurance can help provide for the needs of dependents when you pass away, it's also important for someone starting out - or for someone who's starting over.

Whole Life:

Whole Life insurance from New York Life is just such a feature-rich and customizable insurance plan. It provides an income tax-free death benefit that can protect the financial security of your family in the event of an untimely death. It offers tax-deferred cash values that, as they accumulate, can be used to help purchase a home, help pay for a child's education, or supplement retirement income. Of course, you can also allow cash values to grow to help meet an unexpected emergency or seize an unanticipated opportunity.

But what's most important about New York Life's Whole Life insurance is its versatility. Like an umbrella, it can help buffer you and your family from life's storms. But, unlike an umbrella, Whole Life can expand to provide greater protection and cash value as your needs increase. Various policy options allow you to purchase additional coverage over and above what the premium buys, thus simultaneously building cash value and death benefit; boost your coverage with term insurance; convert that term insurance at alater date into permanent Whole Life insurance; add family members to your policy; or even guarantee that premiums will continue to be paid should you become disabled.

Term Life

Is Term Insurance Right for You? Most people have great plans for themselves and their family and, quite often, those plans require a good deal of funds. Whether it's sending children to college, purchasing a new home, or starting a business, adequate financial resources are essential. Your income is the engine that powers these dreams, helping to turn them into reality, but what if you were to die? How would this affect your family's future plans?

For generations, life insurance has proven to be one of the most cost effective ways to safeguard a family's dreams. You can never be replaced but, with life insurance, your family could probably handle the financial pressure that comes with the loss of income due to premature death. The proceeds of life insurance generally pass to your beneficiaries free from federal income tax and can be used to help preserve your family's standard of living, cover outstanding debts, and keep their dreams alive. For many years, term life insurance has proven to be an effective means of providing protection for those who need coverage for a limited period of time.

Universal Life

Universal life provides permanent life insurance protection and access to cash values that grow tax-deferred at competitive interest rates. Universal life (Target Life) policies are issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), which is a wholly-owned subsidiary of New York Life Insurance Company.

Flexible Protection
Universal life gives you the flexibility to choose the amount of protection that best suits your family or business. It allows you to increase or decrease coverage as insurance needs change. Increased coverage may be subject to underwriting requirements. You may not decrease yourcoverage below the required minimum. A decrease may result in a surrender charge being applied against the policy's cash value.

Flexible Premiums
With universal life, you control the amount and frequency of payments. Looking towards the future? You have the option to increase the premium or make lump sum contributions, subject to limits as specified in the policy. The extra dollars grow tax-deferred, and may increase the cash and death benefit values. On the other hand, in a temporary cash crunch, you can pay less than the scheduled premium and let the policy's accumulated cash value pay the remainder of the monthly charges.

Flexible Design
Universal life can be customized with innovative policy features to fit your lifestyle. Contact a New York Life representative to learn more about how universal life policy riders can protect your spouse and children, protect your ability to pay premiums during disability, and increase the benefit to your family if you should die accidentally.

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